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    • hi dx, thanks for helping just re-reading everything this morning and I must have missed this one from uncle in his thread "What you should not do, is not contact the Banks and simply default on payments. "  are you in disagreement with this based on your last sentence?
    • Thanks for the reply and clarification, that might just explain why in my case contact has pretty much ceased. Though with such companies it doesn't mean they won't ever threaten to return to court as a tool to force one's hand if they feel they are not self informed on their chances etc.  But concerning how last year they tried to use the CCJ to get a charging order and the court granted an intirum order on our mortgage using the CCJ that would have been a good 2-3 months beyond the 6 years, should the court not have checked the age of the CCJ in the first case or would they always grant an interim order simply off the back of a CCJ being produced without even checking the age of it?.  Had I not defended that action at the time they may well have got a default using a CCJ older than 6 years which could be a concern going forwards. At the time when I contacted the court to question the paperwork for a final order application the clerk suggested people don't get informed when companies apply for interim charging orders, they are automatic if a claimant has a CCJ and people only get contacted once a date for a final order application goes through. kind of begs the question if such companies can continue a seemingly backdoor method to attempt default action if un-defended if the initial application doesn't need to check the age of a CCJ?.
    • Hello!  Wondering if someone can help with this.  I suspect not but worth a go.  I appreciate the "contract is with the seller" line, which is what Evri has fed me but wanted to see if someone with experience in these things could suggest anything else I could do here.  I appreciate there are many topics about lost parcels - My parcels weren't lost, until the driver walked up to my door with them and then decided to make them lost/stolen... I'll summarise what has happened.  Wednesday of last week - Evri delivery driver stole / walked off with 3 of my parcels.  -  Arrived outside my properly, took photos (3 separate photos as its 3 separate deliveries) of the tops of the parcels (pointlessly zoomed in on just the labels, couldn't see anything else, other than a small piece of the pavement and a little weed, which doubly confirms it was outside my door as I can see the same plant), marked the order as delivered and walked off with them.  He's marked on the Evri GPS marked that he was outside.   -  3 different deliveries, from the same company (same boxes etc.), but 3 separate tracking numbers. -  Went through the Evri bot which opened a case on each tracking number.  I then phoned them and left a voicemail explaining what had happened. -  24 hours later had a canned response asking me if the packages had turned up and to check around etc..  I responded explaining again what happened and that they've definitely been taken. -  4 days later,  this morning, I get a response telling me to ask the merchant to refund me. I've responded to this message with a long email, repeating what I said, that I believe the driver has stolen these packages and that he took those suspicious top down shots of the packages, marked them as delivered without ringing or knocking etc.  I've said that I expect them to investigate further, but I gather they won't. In my several messages to them initially and later, I told them I don't care about a refund and wanted the parcels.  They contain some sentimental stuff, nothing of high monetary value, hence me going to this trouble.  I only paid £25 for the contents. I did contact the merchant when this first happened and they asked me to wait a few days.  They ended up refunding me despite me asking them not to and that I wanted them to escalate it with Evri because this appears to be a case of theft.  They didn't seem bothered - Refunded me and told me to go back to Evri and escalate it with them? So - Is there any way to compel Evri to conduct a proper investigation with this driver?  Search for my parcels? I have quite a lot of deliveries handled by Evri (not out of choice) - They used to have a fantastic chap and I rarely had any issues.  He has been replaced by a new guy and I believe the route is handled by this same guy who I believe has taken my packages.  Naturally, I fear this is going to happen again in the future if no investigation occurs. Appreciate any assistance - Thanks for reading. Al.  
    • its not a good thing or a bad thing its ongoing. mines gone the same route. these new notifications are equally meaningless.
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How to remove a Default after full & final settlement -HELP PLEASE!


Jules55
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I noticed there is still a default showing on my credit file with DCA Ist Credit Ltd. Account shows satisfied 2007 Settlement was via a partial full & final settlement, question is how can I get this default removed as it won't come off until 2013 if it was just left on my file.

 

I would like to have it removed if so which is the best route? I looked at the templates for defaults etc but wasn't sure which letter to use here as a partial settlement was agreed and paid, so I guess no chance of requesting a CCA as I understand the lender/DCA etc don't have to comply when settlement(partial/full & final) has taken place but what about the service of the default, I don't even remember receiving it. Guidance please.

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I noticed there is still a default showing on my credit file with DCA Ist Credit Ltd. Account shows satisfied 2007 Settlement was via a partial full & final settlement, question is how can I get this default removed as it won't come off until 2013 if it was just left on my file.

 

I would like to have it removed if so which is the best route? I looked at the templates for defaults etc but wasn't sure which letter to use here as a partial settlement was agreed and paid, so I guess no chance of requesting a CCA as I understand the lender/DCA etc don't have to comply when settlement(partial/full & final) has taken place but what about the service of the default, I don't even remember receiving it. Guidance please.

 

TBH the time to get it removed is part of the settlement.

 

S.

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agreed

don't know of anything else you to do.

you could chance your arm and ask them to remove it.......i bet what the ans will be!

 

this also bades the question of you could be open to chasers for the rest of it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Sorry I meant the it was a full and final settlement at £600 of the original sum of £1000. Obviously at the time it would have made sense to incorporate a deal to remove the default but that didn't happen.

 

Is there anything I can do, also I cannot even remember receiving the actual default notice, just settling the debt for a reduced sum which I thought was reasonable but I now want to try and get this default removed?

 

Anyone managed to achieve this or any experts out there that could advise on what to do next, letters etc?

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Do you have a letter from these muppets to say that your account is settled?

 

I was under the impression that a full and final settlement means that the account is closed and balance is nil?

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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I had a default on my account, settled in full, the DCA didn't want to help with removing the default on my credit report so I contacted Experien and they wrote to the company and weeks later it was removed.

 

If you don't try to get the default removed it can legally stay on your credit file for up to 6 years.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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katpuss> Interesting but what did you say to Experian in order for them to merit contacting the DCA?

 

Jules - I phoned them and explained that I had settled the account and they requested evidence which I duly sent to them. They then contacted the other company on my behalf an the default was removed within a month and Experien sent me a letter to confirm this.

 

Can I add that I am an Experian member (which costs £6.99 per month and is worth every penny) and I can view my credit report at any time.

:!: Activ Kapital 2009 - £316 debt cancelled due to no credit agreement

 

:!: TNC Legal Collections (Swinton) - £61 written off due to complaint being upheld with the FOS

 

:D Be Happy and treat people exactly how you would like to be treated

 

:mad: Don't let people take advantage of you and stand up for your rights and beliefs

 

:p You only live once so don't take things so seriously

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Do you have a letter from these muppets to say that your account is settled?

 

I was under the impression that a full and final settlement means that the account is closed and balance is nil?

 

This is where the confusion sets in.

 

Was it a 'Full & Final' or a 'Partial Settlement'

 

You may 100% think is was F&F, but most are only worded as Partial.

 

Jogs

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also bear in mind there is nothing in uk law about

f&f settlements

 

it is purely a local agreement between 2 parties.

 

oh and second that on the experian membership

ok its £7 but it works wonders they do listen to you.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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I think what it goes to show is what most of experience on this site..once a bl**dy dca gets its hooks into you they will continue to harrass, naff up your credit rating etc... everything we do with them must be done in writing... get everything in black and white...and dont believe a bl**dy word they say

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debt4get Do you mean they DCA's are all a bunch of complete W$$KERS?;)

 

blimey crawling now eh!

they'll think we're going soft:)

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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